I think we will see more divergence between Mastercard and VISA acceptance because they no longer have interlocking ownership and are beginning to behave as competitors rather than a duopoly. I think it's prudent to plan to use at least one each American Express, Mastercard and VISA network card, ideally from three different issuers. Bank of America abd Citi both issue cards on all three networks, but I would rather have unrelated accounts.